Community Partners Savings Bank
Salem, IL · Cert 30819 · Peer group: banks under $1B in assets in IL (n=149-151)
SI · FDIC · 6 branches
Q2 2026
$288.4MAssets
$129.6MLoans
$226.5MDeposits
$29.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks under $1B in assets in IL (rank 14 of 151).
- Widest gap: efficiency ratio trails 78% of banks under $1B in assets in IL (rank 119 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.67%
Rank 116 of 151
Net Interest Margin
3.19%
Rank 102 of 151
Efficiency Ratio
76.17%
Rank 119 of 151
Equity / Assets
10.28%
Rank 86 of 151
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 22% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.70% | 1.03% | 1.34% | Beats 23% | 116 / 151 | |
| Return on Equity | 6.53% | 6.74% | 9.34% | 12.94% | Beats 23% | 117 / 151 | |
| Net Interest Margin | 3.19% | 3.02% | 3.43% | 3.83% | Beats 32% | 102 / 151 | |
| Efficiency Ratio | 76.17% | 54.64% | 64.89% | 72.50% | Beats 22% | 119 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.77% | 0.20% | 0.66% | 1.77% | Beats 26% | 112 / 149 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 28% | 108 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 24.71% | 11.83% | 14.17% | 18.66% | Beats 91% | 14 / 151 | |
| Total Risk-Based Capital Ratio | 25.29% | 12.22% | 14.54% | 19.92% | Beats 91% | 14 / 151 | |
| Equity / Assets | 10.28% | 9.10% | 10.65% | 12.40% | Beats 43% | 86 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 57.23% | 54.39% | 71.02% | 80.75% | 30th pctl | 105 / 149 | |
| Loans / Assets | 44.94% | 45.91% | 61.31% | 68.01% | 19th pctl | 122 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |